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  • Attorneys
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    • Nationwide Insurance Subrogation
    • Defense Litigation
    • Insurance Coverage
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  • Resources
    • Subrogation Support Network Podcast
    • Newsletters
    • Laws By State
    • Published Articles
    • MWL Published Books
      • Automobile Insurance Subrogation In All 50 States
      • Fundamentals of Insurance Coverage In All 50 States
      • Workers’ Compensation Subrogation In All 50 States
      • ERISA and Health Insurance Subrogation in All 50 States
      • “Where’s The Beef?” Subrogating Livestock/Vehicle Collisions In All 50 States
    • Reference Charts
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    • Refer A File
      • Printable Referral Forms
    • Ask A Subrogation Question
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April 20, 2023

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Uninsured Motorist

UIM Coverage and the “Floating Layer” Theory

Auto, Med Pay, PIP, Newsletter, SubrogationBy Emma PlahmerApril 20, 2023

Most insurance claims professionals understand that, as opposed to uninsured motorist (UM) coverage, which pays damages to an insured who is involved in an accident with an uninsured driver, underinsured motorist (UIM) coverage is automobile insurance coverage which protects an…

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